关键词: 银行数字化创新, 企业新质生产力, 专利引用, 供应链溢出, 高质量发展

Abstract: The new quality productivity of enterprises is an advanced productivity generated by technological revolutionary breakthroughs, innovative allocation of production factors, and deep industrial transformation and upgrading. It is also an important driving force for the current economic transformation and upgrading. The development of new quality productivity in enterprises not only means a leap in production efficiency and an enhancement of core competitiveness, but also an inherent requirement and important focus for promoting high-quality economic development. Especially in recent years, the new generation of digital innovations such as big data, cloud computing, block chain, and artificial intelligence have brought profound changes to the internal operations and credit management of banks, which significantly improves their operational efficiency, risk control capabilities, and market competitiveness, thus providing a key opportunity for financial innovation to empower the development of new quality productivity in enterprises
In view of this, the article takes commercial banks and listed companies in China from 2012 to 2022 as research subjects, identifies bank digital patents based on deep learning algorithms, and constructs a bank digital innovation index based on the bidirectional citation information of patents. It has empirically tested the impact and mechanism of bank digital innovation on the new quality productivity of enterprises.
Firstly, the article found that digital innovation in banks can effectively promote the development of new quality productivity in enterprises, and this effect is mainly achieved by alleviating cash flow constraints, improving agency problems, and enhancing the innovation literacy of enterprise management to promote the development of new quality productivity in enterprises. In fact, in the process of digital transformation, banks increase customer loyalty through technology-driven product innovation and service upgrades, multi-scenario penetration, and transform weak relationships with customers into strong ones, thus becoming a new financial force to promote the development of new quality productivity in the real economy.
Secondly, enhancing the resilience and security level of the industrial and supply chains has become an urgent task for China's strategic adjustment of the industrial and supply chains, as well as a proactive response to global changes. Therefore, from the perspective of the supply chain, this article explores the supply chain spillover mechanism of the digital innovation effect of banks around the “cash chain”, “agency chain” and “innovation chain”, deepening the theoretical significance and practical value of the application of digital technology in banks to empower the high-quality development of the real economy. The research results have found that there is a phenomenon of supply chain spillover in the promotion effect of digital innovation in banks on new quality productivity. The level of new quality productivity of upstream suppliers and downstream customer enterprises can be improved through the “cash chain” and “agency chain”, and the development of new quality productivity of upstream suppliers can be promoted through the “innovation chain”. Moreover, the promotion and spillover effects of digital innovation in banks on new quality productivity of enterprises are more obvious in small and medium-sized enterprises, private enterprises, enterprises with strong supply chain resilience and high supply chain discourse power.
For the above conclusions, the article proposes three policy recommendations. Firstly, the government should increase investment in digital infrastructure, especially the popularization of technologies such as big data, cloud computing, and artificial intelligence, so as to promote the deep integration of digital technology with the real economy. Secondly, banks should further deepen their digital transformation and extensively apply technologies such as big data and block chain to credit approval, post-loan management, and risk control. Thirdly, enterprises, especially small and medium-sized enterprises and private enterprises, should actively engage in digital transformation, strengthen the innovation capacity building of management, and enhance their understanding and application of digital financial services through internal training and technological upgrades.

Key words: Bank Digital Innovation, New Quality Productivity of Enterprises, Patent Citation, Supply Chain Overflow, High-Quality Development